SBA Junior Credit Analyst - Rock Prairie

Prosperity Bancshares
United States
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 1-3 yearsEducation: bachelorsSkills: ["Attention to detail","Quantitative problem-solving","Clear written communication"]

Support the commercial lending team by analyzing small business applicants’ financial strength and creditworthiness in an entry-level training pipeline. Assist with SBA Form 1502 monthly reporting and compliance, help calculate cash flow, DSCR, and net worth, verify SBA eligibility against SOPs, draft preliminary credit memo sections, and ensure underwriting files are complete through post-approval conditions. Partner with relationship managers and loan officers to resolve financial data gaps and documentation issues.

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Prosperity Bancshares
Prosperity Bancshares
2 days ago

SBA Junior Credit Analyst - Rock Prairie

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Last checked: 6 hours agoStatus: Live

Job Summary

Support the commercial lending team by analyzing small business applicants’ financial strength and creditworthiness in an entry-level training pipeline. Assist with SBA Form 1502 monthly reporting and compliance, help calculate cash flow, DSCR, and net worth, verify SBA eligibility against SOPs, draft preliminary credit memo sections, and ensure underwriting files are complete through post-approval conditions. Partner with relationship managers and loan officers to resolve financial data gaps and documentation issues.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Entry level

Key Responsibilities

  • •Input and analyze financial data from tax returns, CPA-prepared statements, interim balance sheets, and profit & loss statements.
  • •Assist with monthly preparation, balancing, and submission of the SBA Form 1502 report for disbursements, balances, secondary market payments, and SBA fee remittances.
  • •Support credit underwriting by helping senior team members calculate and review global cash flow, DSCR, and net worth using personal financial statements and required tax documents.
  • •Verify SBA eligibility by reviewing loan requests against current SBA SOPs, including applicant eligibility, franchise approval status, and use-of-proceeds compliance.
  • •Draft preliminary sections of Loan Approval Worksheets (LAWs) and credit memos, and monitor collection of underwriting documents and post-approval credit conditions for closing readiness.

Key Requirements

  • •Bachelor’s degree in Accounting, Finance, Economics, or a related business discipline (or equivalent practical experience).
  • •Successful completion of core accounting and finance courses (e.g., Financial/Managerial Accounting, Corporate Finance, Financial Analysis).
  • •1 to 3 years of commercial credit analysis experience.
  • •Intermediate proficiency in Microsoft Excel, with aptitude for learning proprietary banking and financial software.
  • •Strong attention to detail, quantitative problem-solving, and clear written communication.
Experience:1-3 yearsCommercial lendingCredit analysis
Education:Bachelor's in Accounting, Finance, Economics
Skills:Attention to detailQuantitative problem-solvingClear written communication
Tech Stack:Microsoft Excel

Company Brief

Prosperity Bancshares
Operates Prosperity Bank, a Texas-based regional banking franchise offering commercial and consumer banking services, lending, treasury management, and wealth-related solutions through a network of branches across Texas and Oklahoma.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Houston, United States
Founded: 1983
WebsiteLinkedIn